- Our thoughts on Allstate
- Where can you buy Allstate homeowners insurance?
- What does Allstate homeowners insurance cover?
- How much is Allstate home insurance?
- Allstate home insurance discounts
- What makes Allstate home insurance rates go up?
- Allstate vs. competitors: How does Allstate stack up?
- What do people ask about Allstate?
- Is Allstate a good homeowners insurance company?
Our thoughts on Allstate
Allstate is one of the largest home insurers in the nation and a well-known name many people trust. Like any big company, complaints are not uncommon, but our survey of homeowners found most are satisfied with the service they receive. Allstate did rank a little below average in J.D. Power’s claims survey.
Allstate home insurance rates are low compared to major competitors, and the many available discounts can bring rates down even more.
“Larger size often allows [major companies] to provide a diverse range of discounts, potentially leading to savings,” says Siwei Gao, professor of insurance studies at Eastern Kentucky University.
Allstate’s discounts list is even more extensive than that of other major companies, offering a lot of ways to save. Allstate works with captive agents, which means the agent works solely for Allstate; although you must select an agent, you can conduct most insurance business online or with the app.
Overall: While Allstate home insurance reviews from customers online are mixed, our ranking placed Allstate in fifth place on our best home insurance companies list of 2024. It’s a solid choice with cheap rates.
Where can you buy Allstate homeowners insurance?
Allstate home insurance is available in all 51 states and D.C.; however, the company is currently not writing new home policies in California. Despite the troubled home insurance market there, you can still buy Allstate home insurance in Florida.
| State |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Washington D.C. |
| West Virginia |
| Wisconsin |
| Wyoming |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Allstate homeowners insurance cover?
Allstate home insurance coverage includes all of the basics of any standard HO-3 policy:
- Your house (dwelling coverage)
- Any detached structures on your property (other structures)
- All of the contents of your house (personal property)
- Extra bills incurred when you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages or injuries to others caused by you or occurring on your property (personal liability and medical payments)
You can add additional coverage to your Allstate home insurance policy to cover some of the things that aren’t automatically included, like:
- Identity theft restoration
- Water backup
- Schedule personal property for high-value items
- Business property
- Sports equipment (extended coverage)
- Green improvement reimbursement, which covers the extra cost of making energy-efficient improvements during covered repairs
- Yard and garden
- Electronic data recovery
- Musical instruments (extended coverage)
- HostAdvantage coverage for home-sharing
There are some things an Allstate home insurance policy doesn’t cover, which are common to most homeowners insurance policies. Exclusions and coverage limitations on an Allstate policy include:
- No coverage for floods and earthquakes.
- Coverage limits on certain types of personal property, like jewelry, fine art, musical instruments and sports equipment.
- No coverage for excluded perils like war and terrorism, nuclear hazards, animal and pest damage and water and sewer backup (unless endorsed).
How much is Allstate home insurance?
Allstate’s average homeowners insurance rate is $2,098 nationwide, but rates depend on a lot of factors, including the amount of coverage you need. Below, you’ll see nationwide averages for Allstate home insurance at various coverage levels.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 liability | $1,540 |
| $200,000 dwelling, $300,000 liability | $1,571 |
| $300,000 dwelling, $100,000 liability | $1,864 |
| $300,000 dwelling, $300,000 liability | $2,098 |
| $400,000 dwelling, $100,000 liability | $2,212 |
| $400,000 dwelling, $300,000 liability | $2,242 |
| $500,000 dwelling, $100,000 liability | $2,572 |
| $500,000 dwelling, $300,000 liability | $2,603 |
| $600,000 dwelling, $100,000 liability | $2,925 |
| $600,000 dwelling, $300,000 liability | $2,955 |
Allstate home insurance discounts
Allstate has a lot of home insurance discounts available, more than many other insurance companies. The new home discount is the biggest, followed by the claims-free discount, but smaller discounts can add up.
| Discount | Average rate before | Average rate after | % discount |
|---|---|---|---|
| New home | $1,838 | $1,064 | 40% |
| Claims free | $1,957 | $1,598 | 18% |
| Loyalty | $2,565 | $2,360 | 10% |
| Separate wind-hail deductible | $1,850 | $1,633 | 10% |
| Age of home | $1,792 | $1,626 | 9% |
| Paid in full | $1,825 | $1,677 | 9% |
| Retirees | $2,086 | $1,873 | 9% |
| Bundle | $1,812 | $1,694 | 7% |
| Upgrades | $1,842 | $1,716 | 6% |
| Advance purchase | $1,692 | $1,613 | 5% |
| Automatic payments | $1,778 | $1,708 | 4% |
| Construction type | $1,572 | $1,521 | 3% |
| Fire alarm | $1,717 | $1,669 | 3% |
| Smoke detector | $1,239 | $1,213 | 3% |
| Sprinklers | $1,731 | $1,682 | 3% |
| Burglar alarm | $1,724 | $1,716 | 1% |
| Deadbolt | $1,818 | $1,815 | >1% |
| Fire extinguisher | $3,633 | $3,593 | 1% |
| Hail resistant roof | $2,056 | $2,016 | 1% |
| Water safety system | $2,740 | $2,727 | >1% |
What makes Allstate home insurance rates go up?
Allstate will raise your rates when certain risks affect your property. Here’s a look at the average increase in rates for several common risks.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Age of home | $1,846 | $1,916 | 3% |
| Claims | $1,779 | $2,490 | 42% |
| Construction type | $2,280 | $2,353 | 3% |
| Distance from coast | $1,383 | $1,431 | 4% |
| Home-based business | $1,838 | $1,856 | 1% |
| Pool | $1,069 | $1,097 | 3% |
| Proximity to fire station | $1,728 | $2,006 | 16% |
| Smoker | $1,357 | $1,488 | 10% |
| Trampoline | $1,069 | $1,097 | 3% |
| Wood-burning stove | $2,318 | $2,341 | 1% |
Allstate vs. competitors: How does Allstate stack up?
Allstate is considerably cheaper for home insurance on average than most competitors. However, it didn’t rate quite as well as competitor State Farm on our 2024 best home insurance survey. Allstate came in just after State Farm in the ratings, landing at No. 5 overall
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Allstate | $2,098 | 83% | 82% | 81% |
| State Farm | $2,169 | 85% | 87% | 82% |
| Farmers | $3,194 | 70% | 71% | 71% |
What do people ask about Allstate?
Below, we’ve answered some questions about home insurance with Allstate.
How does Allstate home insurance rank?
Allstate ranks at No. 4 in our 2023 home insurance list. There are a lot of ways to rank homeowners insurance companies, but Allstate usually earns relatively good scores from most rating systems.
What is Allstate Claim RateGuard?
Allstate Claim RateGuard is an addition to your homeowners insurance policy that promises that your rates won’t go up just because you file a claim. It applies to one claim every five years; more than one claim may still result in an increase. It’s part of the Allstate Enhanced package for homeowners insurance, which has an added cost.
How do Allstate claim-free rewards and deductible rewards work?
Allstate claim-free rewards give you 5% back every year you don’t file a claim. Allstate deductible rewards reduce your deductible by $100 every year you don’t file a claim, up to $500. Both are part of the Allstate Enhanced package.
Can you buy Allstate home insurance through a broker?
Allstate policies are sold solely through agents who work directly for Allstate. You can, however, complete an Allstate home insurance quote online and then, in most cases, buy the policy online as well.
Is Allstate a good homeowners insurance company?
Allstate reviews can be confusing; like most homeowners insurance companies, there are plenty of anecdotal stories of problems with Allstate, including issues with Allstate home insurance claims. For the most part, however, Allstate performed well in our home insurance survey.
Do people trust Allstate?
In our survey, 74% of Allstate customers said they trust the company. That wasn’t as high as some competitors, but not far behind either. American Family topped the list at 83%.
Do people recommend Allstate?
A solid 84% of Allstate customers said they’d recommend the company to others. That wasn’t the highest rate; Erie ranked first with 95%.
Do people plan to renew with Allstate?
When asked if they plan to renew with Allstate, 89% of customers said yes. Erie again topped the ranking with 97%. Most companies performed well in this category.
Is Allstate good at paying claims?
Allstate earned a below-average 868 out of 1,000 on J.D. Power’s 2023 Property Claims Satisfaction survey. The industry average was 874.
Most home insurance companies have some negative reviews out there when it comes to claims; Allstate is no different. Its below-average rating in J.D. Power’s study doesn’t mean the company won’t pay your claim, however.
